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AQUAVISTA

Active
Rue de Landelies 192 ·6110 Montigny-le-Tilleul, Belgium
KBO/BCE: BE 0802.895.625
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Age3 yrs
Real estate1 parcel · 1,678 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of AQUAVISTA is 0.6% (low). The 2024 annual accounts show equity of €36k and a net result of €34k. Its solvency ranks better than 22% of 7336 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 7336 sector peers (2024).
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-08-2025, 8 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 08-08-2025 8 d late 2025-00366372

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.6% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€34k
Working capital€3k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 08-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 32.0% 65.0%
better than 22% of 7336 sector peers
Net result €34k €32k
better than 53% of 7333 sector peers
Equity €36k €58k
better than 35% of 7338 sector peers
Gross operating margin €72k €52k
better than 67% of 7327 sector peers
Total assets €113k €103k
better than 54% of 7339 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€70k
Net profit€34k
Cash flow€51k
Staff costs-
Income taxes€16k
Dividends-
Total assets€113k
Equity€36k
Debt€77k
of which ≤ 1y€63k
of which > 1y€14k
Working capital€3k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.04
Quick ratio1.04
Working capital ratio2.3%
Solvency32.0%
Debt / equity2.12
Long-term debt ratio0.38
Interest coverage22.77
Gross margin-
Net margin-
ROA29.8%
ROE93.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding6d
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€113k
Fixed assets 21/28€48k
Tangible fixed assets 22/27€48k
Financial fixed assets 28€120
Current assets 29/58€66k
Amounts receivable within one year 40/41€37k
Cash & bank 54/58€28k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€113k
Equity 10/15€36k
Contributions / capital 10/11€3k
Reserves 13€34k
Accumulated profits (losses) 14€37
Amounts payable 17/49€77k
Amounts payable after one year 17€14k
Amounts payable within one year 42/48€63k
Trade debts payable within one year 44€4k
Income statement
Gross operating margin 9900€72k
Operating result 9901€53k
Financial income 75€0
Financial charges 65€3k
Result before taxes 9903€50k
Income taxes 67/77€16k
Net result for the period 9904€34k
Result to be appropriated 9905€34k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
78 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Rue de Landelies 1926110 Montigny-le-Tilleul

Establishment units

1 location
Aquavista
Rue de Landelies 192, 6110 Montigny-le-TilleulOverige detailhandel, niet in winkels en exclusief markt- en straathandel
since 20232.346.435.344
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,678 m²
Buildings1
Building footprint190 m²
Volume (LiDAR)1,228 m³
Tallest building10.3 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52048B0373/00G000 Wallonia 1,678 m² 1 · 190 m² 10.3 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health78Profitability100Solvency51Growth-Stability79
77 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 78
Profitability 100
Solvency 51
Growth -
Stability 79

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AI due-diligence brief

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Credit advice

verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 5,998 of the 29,838 companies in this sector. 5,326 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Detailhandel in vaste, vloeibare en gasvormige brandstoffen, muv motorbrandstoffen47781Overige detailhandel, niet in winkels en exclusief markt- en straathandel47990Gastenkamers55204Gastenkamers55204Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Reclamebureaus73110Activiteiten van reclamebureaus73110Exploitatie van sportaccommodaties93110Exploitatie van sportaccommodaties93110
Primary activity highlighted.
Names & trade names
Legal nameFR AQUAVISTA
Trade nameFR AQUAVISTA
Registered office
Rue de Landelies 192
6110 Montigny-le-Tilleul, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.